Ideas can be life-changing. Sometimes all you need is one more in a series of good ideas

Be thankful for what you already have

Don’t be a follower, be a student

Make sure what you do is the product of your own conclusion

Fundamentals are the important building blocks for success, the basics

There are no new fundamentals. All the fundamentals are old and established

Happiness is a joy that most often comes as a result of positive activity

It is both the joy of discovery and the joy of knowing. It is a result of the awareness of a full range of life. It is the joy that comes from designing a life and practicing the fine art of living well

Itis the bridge between thought and accomplishment. The bridge between inspiration and value achievement. The bridge between the necessity and productivity

Whether or not you start and whether or not you continue are all that are important

Success. It is both a journey and a It is both the steady, measured progress towards a goal and the achievement of a goal

Each person’s personal philosophy is the major factor in how your life works out

Failure is a few errors in judgment repeated every day

Formula for success: A few simple disciplines practiced every day

Study is a keyword for life change

If you wish to be successful, study success. If you wish to be happy, study happiness

Happiness is not an accident. It is first a study, then a practice

When you find a good idea, capture it

Don’t rely on your memory. Write it down and record it somewhere

Learn from your own life

Make your own life one of your most important studies

Be sure to study the negative as well as the positive. Our failures serve us well when they teach us valuable lessons

One of the ways we learn how to do something right is simply by doing it wrong. The next place to learn is from other people’s experiences, whether they’ve done it right or wrong

All leaders are readers. Like most successful people have in common is that they’re constantly reading and learning and have an endless curiosity. Start a library

Don’t just read easy stuff. You won’t grow, change, or develop

The Bible is a great book because it has both examples and warnings through its stories

Be a good student by keeping a separate journal and writing all your notes down from books.

A journal is one of the best things to leave behind when you’re gone

It’s not what happens, it’s what you do about it that matters

You can’t change the seasons, but you can change yourself

Money: we get paid to bring value to the marketplace

Learn to work harder on yourself than your job

Don’t wish it were easier, wish you were better

Don’t wish for less problems, wish for more Don’t wish for less challenge, wish for more wisdom

Learn how to take advantage of the spring, a.k.a. opportunity

Everyone has to get good at one of two things: planting in the spring, or begging in the fall

Learn how to nourish and protect your crops all summer. Prevent the intruder from taking the goods, a major skill to learn

Two key phrases: 1) all good will be attacked. 2) all values must be defended

Learn how to reap in the fall without complaint

Take full responsibility for what happens to you. It is the highest form of human maturity

Success is not something you pursue, it is something you become

It’s not what happens, it’s what people do that make the difference

Get excited about your ability to do the necessary things.

Important rule: Take care of yourself. Some people don’t do well because they don’t feel well

Make sure the outside is a major reflection of what’s going on inside

If you do believe in spirituality, study it and practice it regularly

The Five Abilities to develop:

The ability to absorb. Not only the words and knowledge, but the atmosphere, experience, and what’s going on

Don’t just get through the day, get from Learn from it and let it teach you. Learn from the University of Life

Learn to respond. Let life touch you, both sad things, happy things, and everything in between

Give into the emotion and let it strike you. Our emotions need to be educated as well as our intellect. It’s important to know how to feel and respond

Learn the ability to reflect. Take a half-day at the end of each month to reflect. Take a weekend at the end of every year to reflect. Take a few hours to reflect at the end of the week

Learning to gather up the past and invest it in the future

Self-sacrifice is not noble, but self-development Think about how much you can give back when you develop yourself and not sacrifice yourself, which only produces contempt

Develop the ability to act. Set up the discipline when the intent and motivation and inspiration is high

Every letdown affects the rest of your performance. Every new discipline affects the rest

Make rest a necessity, not an objective

Develop the ability to share.If you learn a good idea today, pass it along

Pouring and giving out what you know to others expand your own capacity so that you can hold more of the next experience

To be the greatest and most powerful is a worthy ambition as long as it’s done at the service of many

Service to many leads to great wealth, recognition, satisfaction

“If you help enough people get what they want, you can have everything you want” -Zig Ziglar

Financial independence is the ability to live from the income of your own personal resources

The Richest Man in Babylon. The theme is what you do with what you have is more important than what you have

What you do with your money says a lot about you

Don’t think if you had more money you would have a better plan

In reality, if you had a better plan, you would have more money

It’s not the amount that counts, it’s the plan that counts. It’s not what you allocate, it’s how you allocate it

Spend 70% of your net. Use 10% on charity, 10% on engaging in the marketplace with buying, fixing, selling and some sort of hobby. Use 10% on investing in the marketplace

Keep strict financial accounts so you know where it all goes

It’s not the amount that counts, it’s what it represents of your life that counts

Ask yourself:who am I around and what are they doing to me in terms of influence?

All you need to do is get around a person with a better plan and adopt it for anything, whether it be health or finances or something else

Pity the man who has a favorite restaurant but not a favorite thinker

We all need associations with people of substance to provide influence concerning major issues

Strive to become the kind of person that people of quality and substance would want to be associated with

Become a person of skilful language, positive attitude, well read and well disciplined. A person of culture and intelligence

We are all affected by 5 factors: Environment, Events, Knowledge, Results, View of the future

Of all the five influences, make sure your dreams are the greatest influence on your daily decisions and activities

Make sure the greatest pull on you is the pull of the future

Well defined goals are like a magnet. The harder you work on them, the stronger the pull

Regardless of talent, if you had enough reasons, you can accomplish anything

Ask yourself: what has you turned off?

His mentor said to set a goal to become a millionaire for what it will make of you to achieve it. Set a goal that will make you stretch that far. It’s not the goal itself, it’s what it will make of you to achieve it

The greatest value in life is not what you get, the greatest value is what you become

Don’t set your goals to low. Don’t join an easy crowd, you won’t grow. Go where the expectations are high

Go where the demands are high. Go where the pressure is on to perform

Key idea: the greatest source of unhappinessis self-unhappiness. The greatest source of unhappiness comes from inside, not outside

Goal setting questions:

What do I want in the next 1 to 10 years? Make a list of 50 things you want

Write a number next to the goal corresponding to how many years it will take to achieve it

The way you enjoy life best is when you wrap up one goal, you immediately start on the next one

Include three types of goals:

Financial and economic (income, profits, productivity)

Material (tangibles like a home, car, boat, jeweler, etc.)

Personal development goals (physical, lose weight, be more decisive, perfect and leader and communicator, learn another language, etc.)

Next step: pick out the four most important 1-year goals, four most important 3-year goals, four important 5-year goals, four important 10-year goals

Describe in detail each one of these 16 goals on paper. Describe why each goal is important to either talk yourself into or talk yourself out of it

Set aside time every week to review, reevaluate and edit your goals

Short-range goals, achievable in one year, are called confidence builders

It is very important to celebrate progress.Celebrate when you check off a short range or long-range goal

We grow from two experiences: the joy of winning and the pain of losing. Goals should be fun, big, challenging, rewarding, allow you to grow

Ask: what kind of person do I have to become to get all I want to?

This will help you write out personal development goal

Don’t just learn how to earn, learn how to live. This is what lifestyle is all about.

One of the great challenges of life: being happy with what you have while in pursuit of what you want

Key idea: More money will only make you more of what you already are. The key to happiness is not more

Happiness is an art to be studied and practiced. More money will only more quickly send you to your destination

If we don’t go for the higher tastes, we will settle for the lower ones

Develop an appreciation for the fine, develop an appetite for the unique things in life. Study the art and reach for the best

Sophisticated people ensure a good service by giving the tip upfront. This is how tips originally were intended

The good life is not an amount. It is an attitude, an act, an idea, a discovery, a search.

It comes from a lifestyle that is fully developed regardless of bank account so that it provides you with a constant sense of joy and living, and fuels the fires of commitment to all of the disciplines and fundamentals that make life worthwhile

The negative is not to be ignored, it is to be mastered. You’ve got to learn to do battle with the enemies on the outside and the inside

Advice: Welcome all experiences. You never know which one is gonna turn everything on

Resolve says, “I will.” Two of the most powerful words in the language.

Resolve means promising yourself you will never give up

Advice: Learn to help people with their lives, not just their jobs

Help them with their goals and dreams, their future, with errors and mistakes

If you work on your gifts, they will make room for you

Questions to ponder:

Why do something?

Why not?

Why not you?

Shout out to marloyonocruz.com for doing this written summary

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